Mr. Brian Patterson:

At the time, no. Again, if we'd all been steeped in prudential regulation or been trained in it, I suppose that would have rung more alarm bells for us than it actually did. So at the time, I don't think it caused necessarily a big stir. I know it may sound hard to believe that now with the benefit of hindsight but that's the truth of it, it didn't cause a big stir.